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RETIREMENT AND EDUCATION ACCOUNTS (IRAs)

You can plan for retirement or your child's education with RFCU through IRAs and ESAs. We offer a number of options and are here to help you make your decision. Unlike investing in the stock market, your funds are safe and insured.

NCUA-INSURED DEPOSITS

Your money is insured through the National Credit Union Share Insurance Fund (NCUSIF), backed by the full faith and credit of the U.S. government.

TRADITIONAL & ROTH IRAs

Traditional and ROTH IRAs have a number of important differences, but both offer tax advantages.


ZERO MARKET RISK

All IRAs at RFCU are deposit accounts with guaranteed rates of return.



CERTIFICATES OF DEPOSIT (CDs)


Certificates of deposits are term deposits. You commit to keeping your money in the CD for a set number of months at a fixed rate. In return, you typically receive a higher rate than today's deposit rates.

NCUA-INSURED DEPOSITS

Your money is insured through the National Credit Union Share Insurance Fund (NCUSIF), backed by the full faith and credit of the U.S. government.


FIXED TERM AND HIGHER RATES

With a CD you commit to have keep your deposit at RFCU during the term of the certificate. In return, you'll receive a higher rate of return.


ACCESS WHEN YOU NEED IT

If you run into an emergency or need the funds for any other reason, you can break the CD early. A penalty of 30-60 days of interest will apply.



MONEY MARKET ACCOUNTS


Money market accounts offer more liquidity than Certificates of Deposits and typically have a higher rate of return than a savings account.

NCUA-INSURED DEPOSITS

Your money is insured through the National Credit Union Share Insurance Fund (NCUSIF), backed by the full faith and credit of the U.S. government.

LIMITED WITHDRAWALS

You'll receive 3 free ATM withdrawals and 3 free check withdrawals per month.


FAIR MINIMUM BALANCE

Money markets are available with a fair minimum balance of $250 to help you get on the path of savings.



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WANT TO KNOW WHAT PEOPLE ARE SAYING ABOUT RFCU?

"BEST CREDIT UNION IN NORTH CAROLINA"

Riegelwood is the very best Credit Union we have ever done business with, they actually care about their customers and when you get in a crunch, they will help you out by giving you options. I recommend Riegelwood Credit Union as the best Credit Union in North Carolina...

Ruthie Smith
"ALWAYS WONDERFUL"

The staff is always wonderful!

Nancy Burns
"BEST SERVICE AND RATES"

Best service and rates! Everyone is very helpful!

Whitney Lee